Hi Everyone
This is my first post though i have been lurking for quite a while. I am in the market for a RZR but i am waiting to see if there incentive program will improve. I am going to finance part of the rzr but it seems they do not have very enticing terms. Anyone know when they roll out the new progams? Or what they might be?

Waiting for same thing. Probably be after 2/28/09. News of layoffs may bring some good incentatives.

this should answer you question

this program is good thru Feb. 28, 2009

currently the hold over 2008 RZRs have this going on:

4.99% for 60 months (GE)
the most common financing option

No/No/No for 6 months (HSBC)
ONLY do this one if you know 100% you can pay it off in less then 6 months otherwise it jumps to like 20% after 6 months.

$59/$99/$129/$159/$199 a month @ 9.99% for life
(HSBC)
you fixed monthly payment is based of how much you are financing. not the greatest intrest rate but a good choice if you need lower payments.

the 2008 RZRs also have a $500 rebate, but ONLY the 2008 models.

For 2009 RZR, this is the options.

6.99% of 60 months (GE)

No/No/No/ for 6 months


$59/$99/$129/$159/$199 a month @ 9.99% for life
(HSBC)

and NO REBATES on the 2009 RZR

my guess is the interest rates will probably get a little better come spring and summer. if i remember right they were like 4.99% maybe even 3.99%, so i might pay to hold off. Your dealer will not no what the new interest rates for march will be until the first day of march. Polaris does not release the new financing options until the first day. They also might not change at all. NOBODY BUT POLARIS WILL KNOW IF THEIR RATES WILL GO UP OR DOWN. . .ITS A GAME!

Hope that helps.
Good Luck!
i am around a lot here, so if you have any questions, i used to sell polaris, until recently i just left to go back to school, but i can help answer questions and give you unbiased answers if you do not belive what your dealer says.

-Kevin

Thanks for the quick answers. I guess i will wait untill March and see what they look like. It seems that with the financial down turn that they would increase their incentive program. Everyone else seems to be?

59/$99/$129/$159/$199 a month @ 9.99% for life
(HSBC)

One question?
with this program you listed how does this work. Say if you put a down pymt of $6000 on a 14k machine?

Those are HORRIBLE finance options, unless you go with the big payment.

If you have a 12K-14K machine, and are only making the minimum payments ($59 or $99) your principal balance will actually be going UP each month. It's basically a credit card.

__________________
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your payment is based of the amount you finance, so. . . .

Here is a table

$0 - $5,000 . . . . . . . . . . . $59 a month
$5,001-$9,000 . . . . . . . . $99 a month
$9,001-$13,000 . . . . . . .$129 a month
$13,001-$16,000 . . . . . . $159 a month
$16,001-$20,000 . . . . . . $199 a month

So, to make it easy, if you were buying a machine that was $14k OTD, and you put down $6k, you would only need to finance $8K, so your dealer would run your credit showing your $6k down and only needing $8K, and if they approved you, then your payment would be $99 a month.
Your APR is fixed for life of loan, your payment is fixed for life of loan.
Hope that helps!
-Kevin

agreed! there is no penalty for early payoff, so you should plan to be paying at least double your min payment, and only pay just the min. if you had a rough month or two. but with 10% interest and a $99 payment, you wont get very far on paying it down, actually you would end up backwards if you need to sell it

Kevin,
What should I expect for a good price on a 09 cammo rzr? I havent purchased anything atv in a while and I wasnt sure how much the polaris dealers are moving on the price?
Thanks.

thats a little more hard to answer but ill do my best here.

first, prices depend on two things, how well sales have been the last 9 months in the area you plan to buy, and also how sales have been at that particular dealership. for instance, there were a lot of shops in washington that were barely staying alive, but our shop was busier then it had ever been. through the summer we sold RZRs at full retail price with no fright or set up fees, and usually a discount on accessories.

MSRP for a 2009 Camo RZR is:
$11,399 before fright or set-up fees
first thing to negotiate down are these fees. there is NO REASON a dealer needs to charge these. yes, it is true that polaris charges the dealer a freight and set up fee on every machine, but if a dealer sold u a camo RZR at full retail with no freight or set up, they are still making about $900 profit on the machine.

just casually ask your salesperson how sales have been going. you never know, they might go a couple hundred bucks down, it all depends on how there sales have been, and how many they are sitting on.

other places to negotiate is accessories. try to get 10% to 20% off on accessories you purchase with the machine. if you dont want acc. ask for $200 or $300 parts/acc. credit that you can us later.

try to get labor about 50% off if you get accessories. if a shop charges $70 bucks an hour to install, and pays someone $10 bucks an hour . . .u can see there is a big profit margin there.

just remember your dealer needs to make some money so they can still be around to help you.

finally, if you walked into our shop and wanted to buy, we would probably do something close to this.

MSPR: $11,399
no freight or set up

ACC. 10% off retail (dealers make about 30% of retail price, and 70% of retail is their cost)

Labor 50% off


DONT BE AFRAID TO WALK OUT if they wont work with you much. RZR sales have slowed and most dealers have them in stock now, which means deals are to be made. there is nothing more a sales manager hates then to lose a RZR sale over $300 in labor or acc. if you do walk, leave them your number and have them call you if they can do a little better. i bet you get a phone call in a few hours of leaving. dont be greedy, just be firm. let the dealer make some money, just dont get screwed either.

if they have been slow, you might offer them $11,000 bucks before tax and lic. they would still make $500 profit on it.

hope that helps, sorry for the long post.
anything else let me know. ill be around!
best of luck in your hunt
-Kevin

Man...you are good.
I got a quote of 10,600 on the cammo rzr, 229 nerf bars, 220 front deluxe brush, 169 rear brush, 130 bed extender, 130 sport roof, 229 full windshield, 820 tax, 50 ms trauma fee, 12 title...12,588.49 out the door. Are the accessories on the high end...could I do better online on the add ons?

thank you, i only know all this stuff cause while im not in school, i work sales at a polaris dealership, so i know the behind the scene stuff to gets you a lower, but yet fair price.
im not sure if you know what retail is, but here is 100% full retail prices and the Polaris Part Number (PN):

Nerf Bars Rock Slider . . . . . . . . .$249.99
PN#2876522-458

Deluxe Brushguard Font . . . . . . .$219.99
PN#2876520-458

Deluxe Brushguard Rear . . . . . . . $169.99
PN#2876521-458

Bed Extender . . . . . . . . . . . . . .$149.99
PN#2877316-458

Sport Roof . . . . . . . . . . . . . . . .$149.99
PN#2876456

Full Windshield. . . . . . . . . . . . .$249.99
PN#2876524

i cant really post what exact dealer cost is, but even though the dealer gave you a pretty good cut on the RZR, i bet you can get them to come down on acc. more. ask them for 10% on EVERYTHING. if the dealer gives you 10% off retail, they are still going to make about 250 profit off acc. that would get them $450 ($200 on machine and $250 on acc) not counting labor cost.

i dont know what tax and lic. fees are in your area, but for instance, in washington state, tax is 8.3% of the purchase price, and lic fees are $98.25 (includes title and doc. fees) just make sure your not getting charge extra on these. figure out what sales tax should be yourself, and call your local DMV to see what off-road license fees cost.

i dont know how much cheaper you can find the acc. on the internet. its worth a look, thats why i gave you the part numbers, to make it easier. just be aware that those are all big, awarkward parts and if you have to pay for shipping it can be expensive. your dealer will get free shipping from polaris on those parts though. the only things they gave you 10% off on was the rear brushguard and the bed extender, everything else they have you at full retail.

one thing that helps is to call other dealers within a resonable drive and get price quotes for them. make the dealers compete against each other. it really helps. right now nobody wants to miss a sale.

let me know if you have more questions,
or just keep me up to date if you do get one.
until then. . .bye
-kevin

Damn your getting some good help with these posts!!!

__________________
1st SXS - New '09 Nuclear Sunset - SOLD!
2nd SXS - New '11 XP White Lightening - SOLD!
3rd SXS - Used turbo'd XP9 or a streetbike powered something, when I can afford it

Try Breese Lawn and Garden in Breese Ill. 618-526-2905 ask for Dave or Jim (he is the owner) Tell them Kenny Horton told you to call. They are the best Polaris dealer around with discounted accessories. Or you can check them out on Ebay breeselawngarden. They will also make you a great deal on a new RZR and they ship anywhere.

Let me know what you think.
khorton

iTS A SHAMETHE us HAS COME TO THIS NONSENSE...THEY CALL IT A CREDIT CARD, ITS MORE LIKE A LOANSHARK!! THEY CHARGE YOU THAT CRAZY INTEREST RATE AND THEN THEY HOLD THE TITLE FOR COLLATERAL!!! ...THE PROBLEM IS PRIVATE BANKS DON'T WANT TO FINANCE ANYTHING BC THEY BEEN BURNED SO MANY TIMES SO TEH MAUFACTURERS HAVE TO OFFER SOME TYPE OF CREDIT PROGRAM AND THATS WHAT THEY COMEUP WITH...LIKE THE GM AND CRYSLER-= ONLY SMALLER CO.s GOD BLESS HOUSEHOLD BANK FOR DECIDEING TO TAKE THESE LOANS!!

THIS JUST ADDS TO THE DEPLETION OF THE AMERICAN DREAM!!! HAVE TODAY WHAT WE SHOULD WAIT TO SAVE UP FOR ...THIS ALLOWS US TO HAVE IT TODAY BUT BE IN DEBT FOR IT FOREVER!!

GOOD LUCK GUYS YOU WILL HAVETHE TIME OF YOUR LIFE ON A RAZOR!